First Citizens Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 12.52 percentage points in Q2 2026, from 54.72% to 42.20%. It was the largest change from Q1 2026 among the key lines here. First Citizens Bank ranks 102nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 84.31% (Q2 2026). First Citizens Bank reported 84.31% on loan-to-deposit ratio for Q2 2026, 3.89 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.33B |
| Net loans and leases | $1.31B |
| Loans held for sale | $656K |
| Loans to total assets | 73.93% |
| Loan-to-deposit ratio | 84.31% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.02% |
| Multifamily (5+ residential) | 7.36% |
| Commercial and industrial | 12.98% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 13.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.41% |
| Construction concentration (Tier 1 capital + allowance) | 42.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.07% |
| Interest income on loans | $20.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.22B | $1.53B | 26.75% | 17.74% | 1.97% |
| Q4 2023 | $1.26B | $1.52B | 26.41% | 17.09% | 1.89% |
| Q1 2024 | $1.28B | $1.58B | 25.84% | 16.42% | 1.81% |
| Q2 2024 | $1.33B | $1.60B | 26.73% | 16.67% | 1.73% |
| Q3 2024 | $1.34B | $1.66B | 29.71% | 15.17% | 1.63% |
| Q4 2024 | $1.35B | $1.65B | 29.58% | 13.00% | 1.58% |
| Q1 2025 | $1.37B | $1.68B | 31.50% | 12.80% | 1.47% |
| Q2 2025 | $1.37B | $1.63B | 31.35% | 12.31% | 1.40% |
| Q3 2025 | $1.35B | $1.69B | 33.04% | 10.72% | 1.37% |
| Q4 2025 | $1.34B | $1.61B | 30.33% | 12.37% | 1.31% |
| Q1 2026 | $1.35B | $1.60B | 30.20% | 12.72% | 1.21% |
| Q2 2026 | $1.33B | $1.58B | 30.02% | 12.98% | 1.16% |
First Citizens Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4433) · FFIEC NIC profile (RSSD 186744)